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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,888 | $58,587+31.2% | $83,322-7.7% | $64,173+19.8% |
| Participation rate | 36.1% | 72.0%-35.9pp | 77.8%-41.6pp | 69.6%-33.5pp |
| Annual return | -0.94% | 9.65%-10.6pp | 10.64%-11.6pp | 7.63%-8.6pp |
| Employer contribution / active EE | $3,429 | $2,098+63.4% | $3,379+1.5% | $2,381+44.0% |
| Participant deferral / active EE | $2,992 | $4,654-35.7% | $5,565-46.2% | $3,470-13.8% |
| Admin fee / account holder | $2,062 | $9,279-77.8% | $7,540-72.7% | $4,887-57.8% |